The Netherlands’ Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

The Dutch card payments channel grew moderately both in terms of value and volume during the review period. In terms of the number of cards in circulation, the channel grew from 58.8 million cards in 2009 to 60.6 million in 2013, at a CAGR of 0.75%. Although the charge cards category had the smallest channel share of 0.2% in 2013, it registered the highest review-period CAGR of 7.28%, followed by the prepaid and debit card categories. In terms of transaction value, the card payments channel grew at a marginal CAGR of 0.87% during the review period from EUR148.4 billion (US$206.2 billion) in 2009 to EUR153.6 billion (US$203.7 billion) in 2013. The channel is expected to post a forecast-period CAGR of 1.74%, from EUR154.4 billion (US$208.3 billion) in 2014 to EUR165.4 billion (US$233.0 billion) in 2018. Despite the global financial slowdown, outbound travel expenditure among the retail and corporate segments increased during the review period from EUR14.8 billion (US$20.6 billion) in 2009 to EUR15.9 billion (US$21.1 billion) in 2013 and is anticipated to increase over the forecast period, fuelling the growth of the card payments channel. The Dutch card payments channel was dominated by the prepaid cards category, which accounted for 49.6% of the channel in 2013. The second-largest channel share was held by the debit cards category with 41.0%, and the credit cards category with 9.2%. The charge cards category held the smallest channel share of 0.2%.

Scope

• This report provides a comprehensive analysis of the Netherlands' cards and payments industry.

• It provides current values for the Netherlands' cards and payments industry for 2013, and forecast figures for 2018.

• It details the different economic, infrastructural and business drivers affecting the Netherlands' cards and payments industry.

• It outlines the current regulatory framework in the industry.

• It details the marketing strategies used by various banks and other institutions.

• It profiles the major banks in the Netherlands' cards and payments industry.

Key Highlights

• In terms of the number of cards in circulation, the Dutch card payments channel posted a review-period CAGR of 0.75% increasing from 58.8 million cards in 2009 to 60.6 million in 2013 and is expected to post a forecast-period CAGR of 2.06% to reach 66.7 million in 2018.

• In terms of transaction value, the card payments channel grew at a marginal CAGR of 0.87% during the review period from EUR148.4 billion (US$206.2 billion) in 2009 to EUR153.6 billion (US$203.7 billion) in 2013. The channel is expected to post a forecast-period CAGR of 1.74%, from EUR154.4 billion (US$208.3 billion) in 2014 to EUR165.4 billion (US$233.0 billion) in 2018.

• The Dutch card payments channel was dominated by the prepaid cards category, which accounted for 49.6% of the channel in 2013. The second-largest channel share was held by the debit cards category with 41.0%, and the credit cards category with 9.2%. The charge cards category held the smallest channel share of 0.2%.

•The number of debit cards is expected to increase from 25.0 million cards in circulation in 2014 to 25.5 million in 2018, at a forecast-period CAGR of 0.50%. The charge cards category posted the highest growth at a review-period CAGR of 7.28% and is forecast to post a forecast-period CAGR of 0.78%, rising from 119,063 cards in 2014 to 122,806 cards in 2018. Over the forecast period, the prepaid cards category is anticipated to post the highest CAGR of 3.75%, increasing from 30.9 million cards in 2009 to 35.7 million in 2018.

Reasons to buy

• Make strategic business decisions using top-level historic and forecast market data related to the Netherlands' cards and payments industry and each market within it.

• Understand the key market trends and growth opportunities within the Netherlands' cards and payments industry.

• Assess the competitive dynamics in the Netherlands' cards and payments industry.

• Gain insights in to the marketing strategies used for selling various card types in the Netherlands.

• Gain insights into key regulations governing the Netherlands' cards and payments industry.

Companies mentioned

ABN Amro Bank

Rabobank

ING Bank

SNS Bank

DHB Bank

MasterCard

Visa

American Express

Diners Club

Table of Contents

1 Executive Summary

2 Analysis of Market Environment, Key Trends and Drivers

2.1 Payment Infrastructure and Emerging Technologies

2.1.1 Rising internet penetration

2.1.2 Rising mobile penetration and m-payments

2.1.3 Adoption of EMV infrastructure

2.1.4 Point of sale (POS) terminals

2.1.5 Automated teller machines (ATMs)

2.2 Business Drivers

2.2.1 Growth in retail industry

2.2.2 Growth in e-commerce

2.3 Economic Drivers

2.3.1 GDP

2.3.2 GDP per capita

2.3.3 Inflation

3 Cards and Payments Industry Share Analysis

3.1 Industry Overview

3.1.1 Cash

3.1.2 Card

3.1.3 Credit transfer

3.1.4 Direct debit

4 Regulatory Framework and Card Fraud Statistics

4.1 Regulatory Framework

4.1.1 Oversight

4.2 SEPA Cards Framework

4.2.1 Foreign direct investment (FDI) regulations

4.3 Card Fraud Statistics

4.3.1 Card-not-present fraud

4.3.2 Counterfeit cards

4.3.3 Lost or stolen cards

4.3.4 Card ID theft

5 Emerging Consumer Attitudes and Trends

5.1 Industry Segmentation and Targeting

5.1.1 Retail segment

5.1.2 Corporate segment

5.2 Travel and Tourism Spending

5.2.1 Outbound tourist trips

5.2.2 Outbound tourist spending

5.3 Retail Card Spending

5.3.1 Analysis by product categories

5.3.2 Analysis by retail channels

6 Analysis of Card Payments and Growth Prospects

6.1 Channel Share Analysis by Card Category

6.2 Size and Forecast of the Card Payments Channel

6.2.1 Analysis by number of cards in circulation

6.2.2 Analysis by transaction value

7 Analysis of Credit Card Payments and Growth Prospects

7.1 Overall Category Size and Forecast

7.1.1 Analysis by number of cards in circulation

7.1.2 Analysis by transaction value

7.1.3 Analysis by transaction volume

7.2 Transaction Share Analysis by Channel

7.2.1 Analysis by transaction value

7.2.2 Analysis by transaction volume

7.3 Personal Credit Cards Segment Size and Forecast

7.3.1 Analysis by number of cards in circulation

7.3.2 Analysis by transaction value

7.3.3 Analysis by transaction volume

7.4 Commercial Credit Cards Segment Size and Forecast

7.4.1 Analysis by number of cards in circulation

7.4.2 Analysis by transaction value

7.4.3 Analysis by transaction volume

7.5 Competitive Landscape

7.5.1 Scheme share analysis

7.5.2 Issuer share analysis

8 Analysis of Debit Card Payments and Growth Prospects

8.1 Overall Category Size and Forecast

8.1.1 Analysis by number of cards in circulation

8.1.2 Analysis by transaction value

8.1.3 Analysis by transaction volume

8.2 Transaction Share Analysis by Channel

8.2.1 Analysis by transaction value

8.2.2 Analysis by transaction volume

8.3 Competitive Landscape

8.3.1 Scheme share analysis

8.3.2 Issuer share analysis

9 Analysis of Charge Card Payments and Growth Prospects

9.1 Overall Category Size and Forecast

9.1.1 Analysis by number of cards in circulation

9.1.2 Analysis by transaction value

9.1.3 Analysis by transaction volume

9.2 Transaction Share Analysis by Channel

9.2.1 Analysis by transaction value

9.2.2 Analysis by transaction volume

9.3 Personal Charge Cards Category Size and Forecast

9.3.1 Analysis by number of cards in circulation

9.3.2 Analysis by transaction value

9.3.3 Analysis by transaction volume

9.4 Commercial Charge Cards Segment Size and Forecast

9.4.1 Analysis by number of cards in circulation

9.4.2 Analysis by transaction value

9.4.3 Analysis by transaction volume

9.5 Competitive Landscape

9.5.1 Scheme share analysis

10 Analysis of Prepaid Card Payments and Growth Prospects

10.1 Overall Category Size and Forecast

10.1.1 Analysis by number of cards in circulation

10.1.2 Analysis by transaction value

10.2 Open-Loop Prepaid Cards Segment Size and Forecast

10.2.1 Analysis by number of cards in circulation

10.2.2 Analysis by transaction value

10.3 Closed-Loop Prepaid Cards Segment Size and Forecast

10.3.1 Analysis by number of cards in circulation

10.3.2 Analysis by transaction value

11 Merchant Acquiring

11.1 Merchant Acquirers in the Netherlands

12 Company Profiles of Card Issuers

12.1 ABN Amro Bank NV

12.1.1 Key financials

12.1.2 Card portfolio

12.1.3 Strategies

12.2 Rabobank

12.2.1 Key financials

12.2.2 Card portfolio

12.2.3 Strategies

12.3 ING Bank

12.3.1 Key financials

12.3.2 Card portfolio

12.3.3 Strategies

12.4 SNS Bank

12.4.1 Key financials

12.4.2 Card portfolio

12.4.3 Strategies

12.5 DHB Bank

12.5.1 Key financials

12.5.2 Card portfolio

12.5.3 Strategies

13 Appendix

13.1 Methodology

13.2 Contact GlobalData

13.3 About GlobalData

13.4 GlobalData's Services

13.5 Definitions

13.6 Disclaimer

List of Tables

Table 1: Dutch Payment Channels (EUR Billion), 2009-2013

Table 2: Market Entry Strategies of Foreign Banks

Table 3: Dutch Card Fraud (EUR Million), 2009-2013

Table 4: Dutch Student Cards by Bank, 2014

Table 5: Cards Offered to Spending Cautious Individuals in The Netherlands

Table 6: Dutch Cards Offered to HNWIs by Bank, 2014

Table 7: Travel Cards Offered for The Dutch Business Customers

Table 8: Dutch Card Spending by Retail Product Category (EUR Million), 2008-2012

Table 9: Dutch Card Spending by Retail Channel (EUR Million), 2008-2012

Table 10: Dutch Card Payments Channel by Card Category (Million), 2009-2018

Table 11: Dutch Card Payments Channel Size by Volume of Cards (Million), 2009-2018

Table 12: Dutch Card Payments Channel Size by Transaction Value (EUR Billion), 2009-2018

Table 13: Dutch Card Payments Channel Size by Transaction Value (US$ Billion), 2009-2018

Table 14: Dutch Credit Cards Category Size by Volume of Cards (Million), 2009-2018

Table 15: Dutch Credit Cards Category Size by Transaction Value (EUR Billion), 2009-2018

Table 16: Dutch Credit Cards Category Size by Transaction Value (US$ Billion), 2009-2018

Table 17: Dutch Credit Cards Category Size by Transaction Volume (Million), 2009-2018

Table 18: Dutch Personal Credit Cards Segment Size by Volume of Cards (Million), 2009-2018

Table 19: Dutch Personal Credit Cards Segment Size by Transaction Value (EUR Billion), 2009-2018

Table 20: Dutch Personal Credit Cards Segment Size by Transaction Value (US$ Billion), 2009-2018

Table 21: Dutch Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018

Table 22: Dutch Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018

Table 23: Dutch Commercial Credit Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Table 24: Dutch Commercial Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018

Table 25: Dutch Commercial Credit Cards Segment Size by Transaction Volume (Million), 2009-2018

Table 26: Dutch Debit Cards Category Size by Volume of Cards (Million), 2009-2018

Table 27: Dutch Debit Cards Category Size by Transaction Value (EUR Billion), 2009-2018

Table 28: Dutch Debit Cards Category Size by Transaction Value (US$ Billion), 2009-2018

Table 29: Dutch Debit Cards Category Size by Transaction Volume (Billion), 2009-2018

Table 30: Dutch Charge Cards Category Size by Volume of Cards (Thousand), 2009-2018

Table 31: Dutch Charge Cards Category Size by Transaction Value (EUR Million), 2009-2018

Table 32: Dutch Charge Cards Category Size by Transaction Value (US$ Million), 2009-2018

Table 33: Dutch Charge Cards Category Size by Transaction Volume (Million), 2009-2018

Table 34: Dutch Personal Charge Cards Segment Size by Volume of Cards (Thousand), 2009-2018

Table 35: Dutch Personal Charge Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Table 36: Dutch Personal Charge Cards Segment Size by Transaction Value (US$ Million), 2009-2018

Table 37: Dutch Personal Charge Cards Segment Size by Transaction Volume (Thousand), 2009-2018

Table 38: Dutch Commercial Charge Cards Segment Size by Volume of Cards (Thousand), 2009-2018

Table 39: Dutch Commercial Charge Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Table 40: Dutch Commercial Charge Cards Segment Size by Transaction Value (US$ Million), 2009-2018

Table 41: Dutch Commercial Charge Cards Segment Size by Transaction Volume (Million), 2009-2018

Table 42: Dutch Prepaid Cards Category Size by Volume of Cards (Million), 2009-2018

Table 43: Dutch Prepaid Cards Category Size by Transaction Value (EUR Million), 2009-2018

Table 44: Dutch Prepaid Cards Category Size by Transaction Value (US$ Million), 2009-2018

Table 45: Dutch Open-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018

Table 46: Dutch Open-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Table 47: Dutch Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018

Table 48: Dutch Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018

Table 49: Dutch Closed-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Table 50: Dutch Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018

Table 51: ABN Amro Bank – Key Financial Indicators (EUR Million), Year Ended December, 2011-2012

Table 52: ABN Amro Bank – Card Portfolio and Key Features

Table 53: Rabobank – Key Financial Indicators (EUR Million), Year Ended December, 2011-2012

Table 54: Rabobank – Card Portfolio and Key Features

Table 55: ING Group – Key Financial Indicators (EUR Billion), Year Ended December, 2011-2012

Table 56: ING Bank – Card Portfolio and Key Features

Table 57: SNS Bank – Key Financial Indicators (EUR Million), Year Ended December, 2011-2012

Table 58: SNS Bank – Card Portfolio and Key Features

Table 59: DHB Bank – Key Financial Indicators (EUR Million), Year Ended December, 2011-2012

Table 60: DHB Bank – Card Portfolio and Key Features

Table 61: Key Definitions

List of Figures

Figure 1: Benchmarking Dutch Payment Cards Channel Against Other European Markets

Figure 2: Dutch Growth of Various Card Categories (%), 2009-2018

Figure 3: Dutch Internet Users per 100 Inhabitants, 2009-2018

Figure 4: Dutch Value of M-Payments Growth (EUR Million), 2009-2018

Figure 5: Dutch EMV Cards Volume (Thousand), 2009-2013

Figure 6: Dutch POS Penetration (Thousands and Penetration per 100,000 Inhabitants), 2009-2018

Figure 7: Dutch ATMs Penetration (Thousand and Penetration per 100,000 Inhabitants), 2009-2018

Figure 8: Dutch Value of Retail Sales (EUR Billion), 2009-2018

Figure 9: Dutch E-commerce Value (EUR Million), 2009–2018

Figure 10: Dutch Real GDP Growth (%), 2009-2018

Figure 11: Dutch Nominal GDP Per Capita (US$), 2009-2018

Figure 12: Dutch Inflation (Consumer Price Inflation) Rate, (%), 2009-2018

Figure 13: Dutch Share of Different Payment Channels (%), 2009 and 2013

Figure 14: Dutch Various Types of Card Fraud (%), 2009 and 2013

Figure 15: Dutch Card-Not-Present Fraud Value (EUR Million), 2009-2013

Figure 16: Dutch Counterfeit Cards Fraud Value (EUR Million), 2009-2013

Figure 17: Dutch Lost or Stolen Card Fraud Value (EUR Million), 2009-2013

Figure 18: Dutch Card ID Theft Value (EUR Million), 2009-2013

Figure 19: Dutch Cards and Payments Industry Segmentation (Retail and Corporate) by Card Type, 2014

Figure 20: Dutch Volume of Outbound Business Trips (Thousand), 2009-2018

Figure 21: Dutch Volume of Outbound Trips (Thousand), 2009-2018

Figure 22: Dutch Outbound Tourist Spending (EUR Billion), 2009-2018

Figure 23: Dutch Retail Card Spending by Retail Product Category (%), 2012

Figure 24: Dutch Retail Card Spending by Retail Channel (%), 2012

Figure 25: Dutch Card Payments Channel by Card Category (%), 2009-2018

Figure 26: Dutch Card Payments Channel Size by Volume of Cards (Million), 2009-2018

Figure 27: Dutch Card Payments Channel Size by Transaction Value (EUR Billion), 2009-2018

Figure 28: Dutch Credit Cards Category Volume and Penetration (Million), 2009-2018

Figure 29: Dutch Credit Cards Category Size by Volume of Cards (Million), 2009-2018

Figure 30: Dutch Credit Cards Category Size by Transaction Value (EUR Billion), 2009-2018

Figure 31: Dutch Cards Category Size by Transaction Volume (Million), 2009-2018

Figure 32: Dutch Credit Cards Category Transaction Value Share by Channel (EUR Million), 2009-2018

Figure 33: Dutch Credit Cards Transaction Volume Share by Channel (Million), 2009-2018

Figure 34: Dutch Personal Credit Cards Segment Size by Volume of Cards (Million), 2009-2018

Figure 35: Dutch Personal Credit Cards Segment Size by Transaction Value (EUR Billion), 2009-2018

Figure 36: Dutch Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018

Figure 37: Dutch Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018

Figure 38: Dutch Commercial Credit Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Figure 39: Dutch Commercial Credit Cards Segment Size by Transaction Volume (Million), 2009-2018

Figure 40: Dutch Credit Cards Category Share by Scheme (%), 2013

Figure 41: Dutch Credit Cards Category Share by Issuer (%), 2013

Figure 42: Dutch Debit Cards Category Volume and Penetration, 2009-2018

Figure 43: Dutch Debit Cards Category Size by Volume of Cards (Million), 2009-2018

Figure 44: Dutch Debit Cards Category Size by Transaction Value (EUR Billion), 2009-2018

Figure 45: Dutch Debit Cards Category Size by Transaction Volume (Billion), 2009-2018

Figure 46: Dutch Debit Cards Category Transaction Value Share by Channel (EUR Billion), 2009-2018

Figure 47: Dutch Debit Cards Transaction Volume Share by Channel (Million), 2009-2018

Figure 48: Dutch Debit Cards Category Share by Scheme (%), 2013

Figure 49: Dutch Debit Cards Category Share by Issuer (%), 2013

Figure 50: Dutch Charge Cards Category Volume and Penetration (Millions), 2009-2018

Figure 51: Dutch Charge Cards Category Size by Volume of Cards (Thousand), 2009-2018

Figure 52: Dutch Charge Cards Category Size by Transaction Value (EUR Million), 2009-2018

Figure 53: Dutch Charge Cards Category Size by Transaction Volume (Million), 2009-2018

Figure 54: Dutch Charge Cards Transaction Value Share by Channel (EUR Million), 2009-2018

Figure 55: Dutch Charge Cards Transaction Volume Share by Channel (Million), 2009-2018

Figure 56: Dutch Personal Charge Cards Segment Size by Volume of Cards (Thousand), 2009-2018

Figure 57: Dutch Personal Charge Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Figure 58: Dutch Personal Charge Cards Segment Size by Transaction Volume (Thousand), 2009-2018

Figure 59: Dutch Commercial Charge Cards Segment Size by Volume of Cards (Thousand), 2009-2018

Figure 60: Dutch Commercial Charge Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Figure 61: Dutch Commercial Charge Cards Segment Size by Transaction Volume (Million), 2009-2018

Figure 62: Dutch Charge Cards Category Share by Scheme (%), 2013

Figure 63: Dutch Prepaid Cards Category Volume and Penetration, 2009-2018

Figure 64: Dutch Prepaid Cards Category Size by Volume of Cards (Million), 2009-2018

Figure 65: Dutch Prepaid Cards Category Size by Transaction Value (EUR Million), 2009-2018

Figure 66: Dutch Open-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018

Figure 67: Dutch Open-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Figure 68: Dutch Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018

Figure 69: Dutch Closed-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018

Figure 70: Dutch Merchant Acquirer Market Share (%), 2013

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